Thread: Which one to dispute?

These are the entries for the same debt:

Account Name: CAVALRY PORTFOLIO SERV
Account Number: XXXXXXXX2055
Acct Type: Collection Department / Agency / Attorney
Acct Status: Closed
Monthly Payment:
Date Open: 4/1/2004
Balance: $2,317.00
Terms: 1 Month
High Balance:
Limit:
Past Due: $2,317.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

------------------------------------------------

Account Name: MBNA AMERICA BANK NA
Account Number: XXXXXXXX4386
Acct Type: Credit Card - Revolving Terms
Acct Status: Closed
Monthly Payment:
Date Open: 10/1/2001
Balance:
Terms: Revolving
High Balance:
Limit: $1,500.00
Past Due: $0.00
Payment Status: Charge-off
Comments: Transferred to another lender or claim purchased

24-Month Payment History ? Legend

Date: Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
02 02 02 02 02 02 02 02 02 03 03 03 03 03 03 03 03 03 03 03 03 04 04 04
OK OK OK OK OK OK OK OK OK OK OK 30 60 OK OK OK 30 60 90 120 120 120 CO CO
----------------------------------------------------------

I'm thinking the collection account is more harmful.

Is this strategy decent?

Demand validation from Calvary. Dispute the MBNA entry as never late.

dispute both as not mine, you never had an account with calvary did you?

also, you never had an account with mbna that was 120 days late within the same 3 months, its impossible.

jmho.

bugman.

Good point.

No, Calvary is basically the CA for MBNA.

Good point.

No, Calvary is basically the CA for MBNA

exactly, your right's to dispute this are totally relevant................"who is calvary, and WHY ARE THEY ON MY REPORT!"

bugman